DESIGN AND IMPLEMENT A CRR PROCESS TO YOUR CREDIT ENVIRONMENT

Perhaps you need to start an internal or external CRR that is effective for your organization.  Here we provide guidance for establishing and executing this process.  We begin by looking at the following factors:

  • Prior CRR findings

  • Level and trends of credit risk by product, line of business, sector, new products/markets, past dues, losses, criticized credits

  • Growth, planned and unplanned

  • Changes in policies, staff, management, underwriting standards

  • Management and Board concerns

We believe the most effective model to assess these factors is a deep dive into fewer credit relationships compared to a surface look at many credits.  We also do not transcribe data from individual files, such as financial statement and collateral information into software, which is time consuming and costly.  We use your data for our analysis and tend to concise work papers, conclusion- oriented memos to provide you meaningful commentary based on our observations.  Our goal is to give you insight on the best options for your internal or external CRR process.

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